Damage to Rented Premises (Damage to Premises Rented to You) used to be known as fire legal liability. The fire damage coverage that is provided under Damage to Premises Rented to You applies only if you are legally liable for the damage.
Property damage expenses are covered (subject to coverage terms) under the general liability, each occurrence limit (i.e. $1,000,000). It covers you, the insured, for 3rd party property damages that result from your negligence.
No. Unfortunately, we cannot cover events held at locations not designed and regulated to host events. That means we cannot cover events held at private residences (i.e. a friend’s house, back yard, etc.).
Yes! You can have sparklers and candles at your event. Under “Does your event feature any of the following?” on the application, it states that both are okay. Please select “No” for that particular eligibility question.
If the attendees are participating in the water activities, then we are unable to cover the event.
No. Unfortunately, we are unable to cover events with fire pits, even if the venue is responsible and monitoring the pit.
Absolutely. You can reply to any email sent from us or send us your question through the Contact Us page.
We are sorry to hear something went wrong at the event.
You can file a claim by clicking the “MANAGE POLICY” button in your policy email. Or you can login to your policy here. Once you log into your policy, click on the “Submit A Claim” button, and answer a few simple questions about the type of claim you are submitting.
If you have any questions, please reply to any email sent from us or send us a message on the Contact Us page.
No, we only accept credit or debit card payment in order to bind coverage. That way you can receive the certificate of insurance (COI) immediately and can check this off your to do list.
Absolutely. You will need their card number and expiration date in order to bind.
Yes, you can add Additional Insureds in section 3 of the application. However, Additional Insureds must be a venue manager or municipality. For Vendor Liability Insurance, you can add the event host/organizer, as well.
No. We provide coverage on a per event basis and cannot cover events that are longer than 30 days.
You can expect an email within an hour of submitting your application. The email will request additional information or provide you with a quote, if your event parameters satisfy our program requirements.
Medical Payments is “no fault coverage” and will help avoid a lawsuit. This coverage item will pay the injured person’s medical bill up to the coverage limit regardless of who is at fault.
Medical expenses are covered (subject to coverage terms) under the general liability, each occurrence limit (i.e. $1,000,000). It covers you, the insured, for any 3rd party medical expenses that result from your negligence.
We are sorry! Our program only covers events within the United States.
Scroll to the bottom of our website. Once you are there, you will see links to each policy under ‘Special Event Liability Insurance’ and ‘Cancellation & Postponement Insurance.’
Unfortunately, no. The policy will not cover any losses, directly or indirectly, due to the Coronavirus. Remember, this policy covers any unexpected losses with the exception of happenings known to the insured prior to purchasing the insurance and a few exclusions listed in the policy. Check out the cancellation and postponement policies at the bottom of this page for specific policy wording.
Host Liquor means you plan on giving away alcohol (or BYOB) at your event. No required liquor license for the event and your profession does not involve selling, serving or furnishing alcohol.
Retail Liquor, on the other hand, a professional bartender is selling alcohol at your event or your profession involves selling, serving or furnishing alcohol. In addition, alcohol receipts must be under $20,000.
No problem, you can make changes to your coverage by clicking the “MANAGE POLICY” button in your policy email. Or you can login to your policy here. Once you log into your policy, click on “Make A Change” and follow the prompts to adjust your coverage. All changes must be made at least 1 day prior to the scheduled event start date.
If you have any questions, please reply to any email sent from us or send us a message on the Contact Us page with a detailed description of the changes needed for your policy. All policy changes are subject to a change in premium.
Our insurance policy includes host liquor at no additional cost. We do not recommend you remove the host liquor coverage because it is already built into the premium.
If there is an invite list, use that total. If not, use your best judgment to determine the total number of people that will be in attendance.
If you have a multiple day event, then you will want to use the total number of attendees. For example, a two-day event in which you expect 100 people per day would require coverage for 200 people.
